Best Car Insurance in Bellevue 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Bellevue.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 2, 2021Chevrolet Equinox LS6800550Assurance America$127/mo.$62/mo.
October 3, 2021Toyota Corolla L6812322ClearCover$297/mo.$93/mo.
August 4, 2021Subaru Impreza Sport6814726Progressive$193/mo.$110/mo.
July 20, 2021Toyota Highlander XLE6814730Assurance America$225/mo.$137/mo.
June 13, 2021Nissan Altima S6800524Assurance America$314/mo.$271/mo.
Here’s more information about what impacts the insurance rates in your Bellevue.

How much does car insurance cost in Bellevue?

Car insurance in Bellevue, Nebraska costs single-car drivers an average of $1,793 annually, or about $149 per month. Compared to the state annual average of $3,107, auto insurance in Bellevue is $1,314 lower higher.
A southeastern suburb of Omaha and Nebraska’s third-largest city, Bellevue welcomes residents and visitors with a variety of things to do. Trails, forests, and golf courses provide great recreation opportunities and an opportunity to get close with nature.
Most commuters in Bellevue drive individually, and commute times vary. No matter how many miles you drive annually, it’s best to be prepared for the unexpected. Compare insurance quotes online to make sure you’re not overpaying for the insurance coverage you need.
If you’re looking for an easy way to find car insurance savings, just use Jerry. After comparing dozens of competitive quotes, you’ll be able to make an easy switch to a new provider—and Jerry can help you cancel your old policy!
Here, Jerry reviews what affects the price of car insurance, alongside top carriers and coverage options to consider, in Bellevue, Nebraska.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Bellevue$2,104$1,524$1,786$1,373$2,190$2,112
National Average$3,223$2,143$3,086$1,764$3,423$2,486
BellevueNational Average
All Coverage Before Jerry
$2,104$3,223
All Coverage After Jerry
$1,524$2,143
Minimum Coverage Before Jerry
$1,786$3,086
Minimum Coverage After Jerry
$1,373$1,764
Full Coverage Before Jerry
$2,190$3,423
Full Coverage After Jerry
$2,112$2,486
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Choosing a carrier in Bellevue

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance in Bellevue may not have the reputation of being expensive, but it’s still worth it to compare carriers to find the best deals.
When choosing an insurance provider, it’s important to balance low rates with good customer service and financial resources.
A few of the top providers in Bellevue include:
State Farm for their variety of coverage options, bundling policies, and other discounts
Progressive for their competitive prices for standard coverage and 24/7 customer service and roadside assistance
Nationwide for their options for people with a variety of credit scores and financial histories
American Family for their personalized service and efficiency as a midsize company
USAA for their low rates. However, USAA auto insurance is only available to military members and their families
Finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Bellevue before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$1,716$180Compare Prices
Allstate$2,160$140Compare Prices
Travelers$1,200$18Compare Prices
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What kind of car insurance you need in Bellevue

In Bellevue, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like most states, Nebraska requires all drivers to carry a minimum amount of car insurance coverage before they can hit the road. The state minimum includes liability and uninsured/underinsured motorist insurance:
You may face fines or license suspension for driving without this insurance.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Most drivers will go on to purchase more coverage than the Nebraska state minimums—and this is recommended to everyone.
By purchasing only the state minimums, you’re leaving yourself vulnerable to hefty out of pocket costs to cover the damage to your vehicle after an at-fault accident.
Here are some coverage options that would benefit drivers in Bellevue:
FactorRecommended coverageDescription
Damages to your vehicleCollision insuranceCollision insurance pays for damages to your vehicle resulting from a collision, regardless of who’s at fault.
Personal injuriesPersonal injury protection (PIP)PIP coverage pays for your medical bills and lost income if you are injured in an accident, regardless of who’s at fault. Also called “no fault insurance.”
Severe weather eventsComprehensive insuranceComprehensive coverage pays for damage to your vehicle that isn’t the result of a collision, such as hail damage, theft, and vandalism.
Traffic densityAccident forgivenessInvesting in an accident forgiveness policy will prevent your rates from climbing after your first at-fault accident.
Long drivesRoadside assistanceTraveling outside of the Omaha-Council Bluffs area may involve long stretches of highway driving. If you ever encounter a roadside emergency, this coverage will pay for towing, winching, fuel delivery, and more.

What determines your car insurance cost in Bellevue

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Bellevue, you could be paying as much as $90 more per month than an adult driver. These are average rates for Jerry customers in Bellevue broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$1,716$180
21-24$2,998$1,307
25-34$2,177$512
35-44$1,668$96
45-54$1,524$732
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Bellevue with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,317$608
Speeding under 15$1,571$745
Failure to Obey Traffic Sign$2,311$681
Other$1,668$96
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Where in Bellevue you live

It may seem like insurance rates in Bellevue should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Bellevue, residents of 68147 will have the most expensive car insurance rates, while people who live in 68005 and 68123 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Bellevue:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
January 18, 202168123Volkswagen Gti AutobahnNE22Progressive$230/mo.$42/mo.
September 6, 202168147Subaru Impreza SportNE26Progressive$193/mo.$49/mo.
September 15, 202168005Saturn L200NE60ClearCover$86/mo.$54/mo.
October 2, 202168005Hyundai Sonata SENE24Allstate$178/mo.$58/mo.
October 3, 202168123Toyota Corolla LNE22ClearCover$297/mo.$93/mo.
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Why is car insurance in Bellevue so expensive?

A variety of considerations determine baseline car insurance rates in Bellevue. Insurance companies often consider the following:
Each insurance provider uses a unique formula for calculating the price of insurance for each city. Some local factors make an area likely to file more claims, which results in insurers charging higher premiums there upfront.
In Bellevue, some of these factors include:

Traffic

Lots of single-passenger cars in Bellevue during rush hours can lead to congested traffic, which makes accidents more likely.

Severe weather

The area around Omaha faces higher-than-average tornado risk. Since cars and property are more likely to be damaged by tornadoes and other severe storms, insurers anticipate spending more money to cover damages here.

How can you save money on car insurance in Bellevue?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Applying for car insurance discounts is one of the easiest ways to make your premiums more affordable. Almost all providers offer multiple discounts, but not all of them are heavily advertised. It’s best to contact your provider to make sure you’re aware of all your options. Some of the most common car insurance discounts in Bellevue include:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Multi-vehiclePutting more than one car on a family policy can get you up to 25% off the cost of insuring each vehicle.
Good student discountStudents 25 and under who maintain a B average (3.0 or above) are eligible for a discount on their insurance policy.
Accident-freeIf you’ve been accident-free for three to five years, you can qualify for a discount on your policy.
Paperless billingIf you opt for e-billing rather than receiving bills in the mail, you can qualify for savings.
“I’m 21 and my insurance rates have been really high for a while. In less than 30 minutes, Jerry switched my car insurance and cut my costs in half! I recommend Jerry to my friends now!” —Liliana E.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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